Schoharie County, NY Average Home Price (2026)
The average home price in Schoharie County, New York is about $241,000 (the 2026 median across 17 ZIP codes, at ~$181/sq ft) — 28% more affordable than the New York median and 17% more affordable than the typical U.S. home.
How Schoharie County compares
Schoharie County is about average for housing nationally: its typical home costs $241,000 against $333,000 for New York and $289,000 for the U.S. Within the county, ZIP-level values run from about $215,000 to $363,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Schoharie County | $241,000 | $181 |
| New York | $333,000 | $241 |
| United States | $289,000 | $193 |
Schoharie County home prices by ZIP code
The 15 most valuable ZIP codes in Schoharie County (of 17 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 12131 North Blenheim | $363,000 | $191 | +51% |
| 12157 Schoharie | $291,000 | $169 | +21% |
| 12160 Sloansville | $289,000 | $242 | +20% |
| 12187 Warnerville | $276,000 | $167 | +15% |
| 12043 Cobleskill | $264,000 | $159 | +10% |
| 12093 Jefferson | $262,000 | $270 | +9% |
| 12149 Richmondville | $244,000 | $149 | +1% |
| 12092 Howes Cave | $241,000 | $181 | +0% |
| 12175 Summit | $241,000 | $160 | +0% |
| 12167 Stamford | $240,000 | $197 | +0% |
| 12194 West Fulton | $235,000 | $322 | -2% |
| 12122 Middleburgh | $232,000 | $175 | -4% |
| 13459 Sharon Springs | $230,000 | $133 | -5% |
| 12076 Gilboa | $227,000 | $205 | -6% |
| 12035 Central Bridge | $225,000 | $114 | -7% |
Home value appreciation in Schoharie County
Home prices in Schoharie County have risen about 101% over the last 10 years (≈7.2% a year) and +92.5% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +14.3% — still rising. A home worth $241,000 today was worth roughly $120,080 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, New York is +85.6% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Schoharie County
Run the numbers for Schoharie County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Schoharie County
To buy the typical $241,000 home in Schoharie County with 20% down, you need a household income of roughly $66,000 a year (about $1,530 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $78,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,100 | $1,900/mo | $81,000/yr |
| 10% (+PMI) | $24,100 | $1,820/mo | $78,000/yr |
| 20% | $48,200 | $1,530/mo | $66,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Schoharie County
At about $181 per square foot, here is roughly how much home different budgets get you in Schoharie County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 830 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1100 sq ft | around the typical home here |
| $250k | 1380 sq ft | around the typical home here |
| $300k | 1660 sq ft | around the typical home here |
| $400k | 2210 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to New York.
Estimate a specific home in Schoharie County
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Schoharie County home prices: frequently asked
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Browse all New York cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.